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City · 14,212 residents · Indiana County, Pennsylvania

Indiana , Pennsylvania

In Indiana, a typical home is worth $135,600 and typical rent is $849 a month. Compared with all of Indiana County, typical household income is 32% lower, the typical home value is 11% lower, and the share of households that own their home is 27 points lower.

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  • Typical home value

    $135,600

    11% below the county

    47% below Pennsylvania

    • Indiana
    • County
    • Pennsylvania

  • Typical rent

    $849a month

    6% above the county

    30% below Pennsylvania

    • Indiana
    • County
    • Pennsylvania

  • Typical household income

    $40,857a year

    32% below the county

    48% below Pennsylvania

    • Indiana
    • County
    • Pennsylvania

  • Households that own their home

    45%

    27 points below the county

    25 points below Pennsylvania

    • Indiana
    • County
    • Pennsylvania

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$205,818
8.5% more than 12 months ago
Typical rent
$2,117 a month

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Indiana is in Indiana County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Indiana County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Indiana apart

What this place has that others do not, from public data, most unusual first.

  1. 45% of households in Indiana own their home, against 72% in Indiana County.

  2. Nearby, in Johnstown, the typical home value is $45,400: 67% less than in Indiana ($135,600).

  3. Indiana has the 11th lowest typical household income of the 272 cities in Pennsylvania with more than 5,000 people ($40,857).

  4. According to Zillow, in the 12 months to September 2026 the typical home value in Indiana rose 8.5%; in Pennsylvania, it rose 2.2%.

  5. Nearby, in Johnstown, the typical rent is $644: 24% less than in Indiana ($849).

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Indiana

What homes there are in Indiana, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Indiana there is a bit of everything: no kind of home reaches half. The most common are detached houses (48%); in Indiana County, 67%.

Year built

The typical home in Indiana was built in 1957, 13 years before the typical one in Indiana County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,144 a month

Indiana County: $1,266 a month

Without a mortgage

$614 a month

Indiana County: $540 a month

Owners with a mortgage

58%

Indiana County: 47%

In Indiana, 58% of owners have a mortgage, and their typical cost is $1,144 a month, against $1,266 in Indiana County. Without one it drops to $614.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Indiana rose 19% since 2015–2019, less than in Indiana County (26%).

Much as in Indiana County, the typical rent in Indiana rose 15% since 2015–2019.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureIndianaIndiana CountyPennsylvaniaUnited States
Rental vacancy 15.6%11.5%4.9%5.5%
Homeowner vacancy Unreliable estimate0.9%0.8%0.9%
More than one person per room Unreliable estimate1.4%1.6%3.4%
People per household 2.042.392.392.53
Drive alone 58%75%68%69%
Carpool Unreliable estimate8%8%9%
Public transit Unreliable estimateUnreliable estimate4%3%
Walk or bike 18%6%4%3%
Work from home 16%10%16%15%
Other means Unreliable estimate2%1%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

There is more rental housing open in Indiana: 15.6% is empty and offered for rent, against 11.5% in Indiana County.

Households in Indiana are smaller: 2.04 people on average; in Indiana County, 2.39.

In Indiana, 18% of workers walk or bike to work; in Indiana County, 6%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Indiana?

A typical home costs more than the typical income allows

We start with a typical home in Indiana, worth $135,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 37% of the typical household income in Indiana, which is $40,857 a year. For that payment to be 28% of income, a household would need to earn about $53,720 a year.

The calculator's FHA and conventional loan limits are those of all of Indiana County.

Your numbers

Local data
$

Starts at the typical home value in Indiana. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $4,746 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,253

at 7.18% · 30 years

Loan amount
$133,144
Total interest
$191,563
Paid off in
November 2056

Includes $2,290 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $953 a month

  • Tight

    $953 to $1,226 a month

  • Hard

    more than $1,226 a month

    Your payment · 37%

Compared with the typical household income in Indiana ($40,857 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,253
Principal & interest$902
Property tax$235
Home insurance$57
FHA mortgage insurance (MIP)$60

You need at least $4,746 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Indiana and Indiana County

Indiana is in Indiana County, Pennsylvania. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Indiana's own numbers

Typical home value
$135,600
Typical monthly rent
$849
Typical yearly household income
$40,857
Households that own their home
45%
Effective property tax rate
2.08%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Indiana County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,014
Price change over 5 years (FHFA)
+34%
Homes in a high flood-risk zone
2.3%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Indiana County.

Everything about Indiana County

Buying

Buying a home in Indiana

A typical home in Indiana is worth $135,600: 11% below the county and 47% below Pennsylvania. With the typical household income in Indiana ($40,857 a year), a typical home costs 3.3 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Indiana 3.3 years
  • County 2.5 years
  • Pennsylvania 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Indiana County

According to FHFA’s house price index, home prices in Indiana County rose 44% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Indiana County.

Period County Pennsylvania U.S.
Last year (2025) +1.1% +4.7% +2.9%
5 years (2020–2025) +34% +48% +47%
10 years (2015–2025) +44% +77% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Indiana next to Indiana County, Pennsylvania and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Indiana $135,600
  • County $152,800
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Indiana $849
  • County $800
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • Indiana $40,857
  • County $60,208
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Indiana next to Indiana County and Pennsylvania
Measure Indiana Indiana County Pennsylvania U.S.
Typical home value $135,600 $152,800 $254,500 $332,700
Typical monthly rent $849 $800 $1,209 $1,413
Typical yearly household income $40,857 $60,208 $77,971 $80,734
Households that own their home 45% 72% 69% 65%
Typical yearly property tax $2,820 $2,297 $3,311 $3,119
Effective property tax rate 2.08% 1.5% 1.3% 0.94%
Renters with high rent for their income 61% 49% 48% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Indiana County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Indiana

For a typical $135,600 home in Indiana, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Indiana's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,253a month

    Least cash to close
    Down payment
    $4,746
    Cash to close
    $8,814
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $60

  • Conventional, 5% down $1,229a month

    Down payment
    $6,780
    Cash to close
    $10,848
    Rate
    7.18%
    Mortgage insurance
    PMI · $64

  • Conventional, 20% down, no PMI $1,026a month

    Down payment
    $27,120
    Cash to close
    $31,188
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,152a month

    Down payment
    $20,340
    Cash to close
    $24,408
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Indiana and for Indiana County.

Property tax

Effective rate in Indiana

2.08%of the home’s value each year

$2,820 a year for the typical owner in Indiana.

  • Indiana 2.08%
  • County 1.5%
  • Pennsylvania 1.3%

What Pennsylvania publishes Property Tax/Rent Rebate Program (PTRR) (Pennsylvania Department of Revenue)

Exemptions and deadlines in Pennsylvania

Flood risk in Indiana County

FEMA does not publish these numbers by city: they are for all of Indiana County.

Homes in the high-risk zone
2.3%
778
Of those, with NFIP insurance
19%
County Pennsylvania U.S.
Homes in the high-risk zone 2.3% 2% 3.5%
Of those, with NFIP insurance 19% 23% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Indiana

Typical rent in Indiana is $849 a month: 6% above the county. In Indiana, 61% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Indiana County, by unit size. To pay the 2-bedroom one ($1,014 a month) without spending more than 30% of your income, you would need to earn $19.50 an hour working full time.

HUD fair market rent for all of Indiana County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $738 $14.19 $29,520
1 bedroom $864 $16.62 $34,560
2 bedrooms $1,014 $19.50 $40,560
3 bedrooms $1,396 $26.85 $55,840
4 bedrooms $1,525 $29.33 $61,000

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Indiana

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Indiana has 2 ZIP codes with their own.

For 2 bedrooms it is $1,010 in all of them.

None is above the fair market rent for Indiana County ($1,014).

  • 15701 $1,010$1,410
  • 15705 $1,010$1,410

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Indiana when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Indiana

HUD lists 12 buildings with rents for lower incomes in Indiana. These are the largest.

  • Poets Village 500 Millay Cir, Indiana 15701 104 homes, 85 low-income · For families (724) 349-1522
  • Clairvaux Commons 100 Clairvaux Cmns, Indiana 15701 86 homes, 85 low-income · For older adults (724) 349-2920
  • Regency Square Apts 1524 Oakland Ave, Indiana 15701 84 low-income homes · 1 bd: 2 · 2 bd: 80 · 3 bd: 2 · In service since 1994 · For families
  • Hamilton Apts. 751 Maple St, Indiana 15701 60 low-income homes · For older adults (724) 652-3031
  • Hickory Meadow 100 Birath Ln, Indiana 15701 51 homes, 50 low-income · 1 bd: 5 · 2 bd: 18 · 3 bd: 24 · 4 bd: 4 · In service since 2007 · For families (412) 551-5183

See all 18 buildings in Indiana County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Indiana

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Indiana County. The nearest ones are below; many serve by phone or online.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Indiana

No down payment, repair or rent-help program on our list is for Indiana or Indiana County. The ones below are statewide in Pennsylvania: they work in Indiana the same as in the rest of the state.

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Indiana

The HUD-approved agencies closest to the center of Indiana, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Neighborhood Housing Services, DBA NeighborWorks Western Pennsylvania

    10 Duff Rd Ste 402, Pittsburgh · 37 miles away

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 3 more
    (412) 281-9773

  • Willissae's Agency for Vision and Empowerment (WAVE)

    7171 Churchland St, Pittsburgh · 40 miles away

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 2 more
    (412) 573-9217

  • Mon Valley Initiative

    303-305 E. 8th Avenue, Homestead · 42 miles away · Spanish

    Also serves in American Sign Language (ASL), French, Korean, other languages, and 4 more languages.

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 2 more
    412-464-4000-4026

All counseling agencies in Pennsylvania

Help in Spanish near Indiana

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Indiana

HUD’s record names them for Indiana or Indiana County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of Indiana County Public housing and Section 8 vouchers (724) 463-4730

All housing agencies in Pennsylvania Source: HUD

Cities

Nearby cities

The cities closest to Indiana, with the typical home value.

Everything about Indiana County Housing in Pennsylvania

Neighboring counties

If Indiana County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Indiana.

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about Indiana

Short answers with the numbers for Indiana and all of Indiana County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Indiana?

The typical home value in Indiana is $135,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Indiana County it is $152,800.

How much does it cost to rent in Indiana?

Typical rent in Indiana is $849 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Indiana County is $1,014.

What is the FHA loan limit in Indiana?

Indiana uses the FHA limit for all of Indiana County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Indiana?

The typical homeowner in Indiana pays $2,820 a year, according to the U.S. Census Bureau. That is 2.08% of the home’s value; in Indiana County, the rate is 1.5%.

Where can I find free help to buy or rent in Indiana?

We found no HUD-approved counseling agencies with an office in Indiana County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).